Welcome to UBUMM

Connecting the study abroad community at home and abroad.

Connect at Home & Abroad

Ubumm is a unique web-based social platform designed for study abroad administrators and students to communicate in real-time. Ubumm provides interactive features that allow administrators to share study abroad documents, safety information, alerts, and push notifications instantly to students. The exciting features of Ubumm also allow students to interact and share information about events, job and internship opportunities and, in the future, roommate requests, specific to the location of their study abroad experience.

Features that we offer

Send Real-time Alert Notifications

Access to Analytic Reports

Calendar View of Upcoming Events

Upload and Share Documents

Job & Internship Board

Notes Feed for Sharing News

Adding and Sharing Events

Communicate with Multiple Programs

Ubumm’s support comes full-circle by providing administrators the ability to track and analyze data to determine the effectiveness of their communication with students, such as event participation, the reader rate for documents, alerts, and notifications sent, and the overall performance and success of the administration’s engagement with students during the pre-departure, on-the-ground and post-return experience.

REGISTER

Meet our team

Maryann Sbraga

Emily Salm

Aleksandar Lazarevski

Technical Lead

info@ubumm.com

Georgij Lazarevski

Web development

info@ubumm.com

Antonijo Nikoloski

Mobile application

info@ubumm.com

Bojan Angeleski

Mobile application

info@ubumm.com

FAQ

Below are answers to some of our most frequently asked questions. We are happy to provide more detailed information on the questions below, or answer any other questions you may have, upon request. Please submit your questions to info@ubumm.com or through our contact form.

What does the name “UBumm” mean?

It’s pretty simple: University students, Bumming around the world! We feel our stickman logo represents the free-spirited nature of study abroad students bumming around the world on a budget!

Become A Campus Ambassador

We're looking for top talent to join our fast-growing, hard-working team at UBUMM.

Contact us

Privacy Policy

This Privacy Policy governs the manner in which ubumm collects, uses, maintains and discloses information collected from users (each, a "User")
of the www.ubumm.com website ("Site"). This privacy policy applies to the Site and all products and services offered by ubumm. Personal
identification information We may collect personal identification information from Users in a variety of ways, including, but not limited to,
when Users visit our site, register on the site, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities. Non-personal identification information We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. Web browser cookies Our Site may use "cookies" to enhance User experience. User's web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly. How we use collected information ubumm may collect and use Users personal information for the following purposes: - To improve customer service Information you provide helps us respond to your customer service requests and support needs more efficiently. - To personalize user experience We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site. - To improve our Site We may use feedback you provide to improve our products and services. - To run a promotion, contest, survey or other Site feature To send Users information they agreed to receive about topics we think will be of interest to them. - To send periodic emails We may use the email address to send User information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. If User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, they may do so by contacting us via our Site. How we protect your information We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site. Sensitive and private data exchange between the Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures. Sharing your personal information We do not sell, trade, or rent Users personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.We may use third party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes provided that you have given us your permission. Third party websites Users may find advertising or other content on our Site that link to the sites and services of our partners, suppliers, advertisers, sponsors, licensors and other third parties. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites which have a link to our Site, is subject to that website's own terms and policies. Advertising Ads appearing on our site may be delivered to Users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile non personal identification information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This privacy policy does not cover the use of cookies by any advertisers. Changes to this privacy policy ubumm has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications. Your acceptance of these terms By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.

Contact us if you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site. Please contact us at: ubumm www.ubumm.com 3633 Grand Cypress Drive Naples, FL 34119 info@ubumm.com. This document was last updated on July 31, 2014. Privacy policy created by http://www.generateprivacypolicy.com.

Meet Emily Salm, Co-founder

Emily is a graduate of John Cabot University in Rome, Italy where she obtained her Bachelor of Arts in International affairs and a Minor in Italian Studies. International travel has been a passion of Emily’s for a number of years. Born and raised in rural Wisconsin, Emily stepped foot on the international scene when she was sixteen years old as a participant of the AFS abroad program to Sardinia, Italy (2004-2005). She continued her academic experiences abroad throughout college and lived in Rome and Milan for nearly four years combined.

Emily’s professional experiences include interning at the U.S. Embassy in Rome, working as a study abroad liaison and a paralegal in Rome, and teaching Italian lessons to eager language learners. Outside of UBumm, Emily enjoys helping her parents operate their restaurant and is currently pursuing her Certified Sommelier Certificate.

Meet Maryann Sbraga, Co-founder

Maryann spent four years abroad as a student in Rome and Milan Italy where she received her Bachelors of Science in Communications. Maryann's wanderlust began at the age of 14 when she travelled abroad as a student ambassador to Australia and New Zealand.

The travel bug has not gone away, traveling has become one of the biggest and most rewarding parts of her life. Her favorite part of studying abroad is how it can change one's perspective. Her favorite spot in Rome, a home away from home, is the Villa Borghese Gardens.

UBumm Terms of Use

UBumm, LLC Terms of Use

As Amended May 13, 2016

The following Terms of Use (the "Terms") shall apply when Users view, use, or make purchases through Company Services. Please review the Terms carefully.
By accessing or using the Services, you signify your agreement to these Terms. If you do not agree to these Terms, you may not access Company Services.
These Terms shall include UBumm's Privacy Policy, which is incorporated by reference in these Terms.

Definitions

A. "UBumm" and "Company" shall refer to the company UBumm, a limited liability company, organized under the laws of Florida, in the business of providing
an Internet-based platform that connects study abroad students and facilitators worldwide;

B. "User" shall refer to any person or entity accessing or using Company Services;

C. "User Submitted Content" shall refer to any and all content Users may upload, share, post, transmit, or otherwise, onto or within Company Services.

D. "Terms" shall collectively refer to these Terms of Service and the linked Privacy Policy; and

E. "Services" shall collectively refer to all services offered by UBumm including, but not limited to, access to its website and mobile application, online
products, downloadable products, and any and all services.

Changes to Terms of Service and Notices

UBumm may modify the Terms at any time, under its discretion. Should there be any material changes to the Terms, Users shall be notified with a one (1)
month notice prior to the effective date of the new terms. It shall be posted on Services and on the Company mobile application if applicable. At the
beginning of each set of Terms, the effective date shall be posted. Users agree the continued access of Services after the effective date, warrants their
acceptance to the modifications.

Service Eligibility

In order to use Services, Users must be 18 years old, or older, and have the requisite power and authority to accept these Terms. If one is under 18 years
of age, such person is strictly prohibited from using Services. Convicted sex offenders are strictly prohibited from accessing Company Services in any way.
People, businesses, or otherwise, may not access Services if they are a known or unknown competitor, or if they have been previously banned from Services.
If you are using Services on behalf of a company, entity, or organization, then you represent and warrant you are: an authorized representative of such
organization; have the requisite authority to bind the organization to these Terms; and agree to be bound by these Terms on behalf of such organization.

All Users hereby consent that having their User Submitted Content and personal data transferred to, if applicable, and processed in the United States of
America. In the event, a User is located in a country that presently has a trade embargo with the United States, or such User is on the U.S. Treasury
Department's list of Specially Designated Nationals, such User is expressly prohibited from engaging in commercial activities on UBumm, in any way.
Further, such Users are expressly prohibited from receiving products, services, or software originating from the United States.

Service Permission

UBumm grants Users permission to use Services subject to all restrictions set out in these Terms. Use of Services is at User's own risk, including the risk
of exposure to offensive, indecent, inaccurate, objectionable, or otherwise inappropriate content.

Service Availability

Company Services are currently offered on the Internet and mobile application through Google Play and Apple Store. UBumm provides Services to Users, and
Services may be interrupted, suspended, un-secure, modified, updated, discontinued, or unavailable in particular locations. This may happen without notice
from Company, and Company shall not be held liable for any issues regarding Services availability.

User Accounts

In order to use Services, Users must create a User Account and provide personal information for its creation. In the future, Users may be able to access
Company Services through a third party social media provider, including but not limited to Facebook and Twitter. Prior to registration, Users are able to
select from three different types of accounts: University, Student, or Business (respectively the "University Account", "Student Account", and "Business
Account"). Users are solely responsible for remembering and maintaining the security of their User names and passwords. User must notify UBumm of any
unauthorized access to user Accounts. Users are expressly prohibited from allowing others to access Company Services through their User Account. Users may
not transfer their account to any other person without getting prior written permission from UBumm. If User changes any of their access information, or
contact information within their account, they must update their account information on UBumm within forty-eight (48) hours to ensure that User properly
receives messages. UBumm may suspend, terminate, modify, or delete User Accounts, with or without notice, to Users, at any time and for any reason. Users
are required to provide complete and accurate information in the creation of their User Accounts. Users are expressly prohibited from creating names with
false information, false names, false business names, or creating multiple User Accounts. If UBumm discovers any of Users' Account details violate any
rights of others, UBumm reserves the right to remove or reclaim it if Company believes it is appropriate.

For University Accounts, UBumm reserves the right to edit any information in the account throughout the setup phase, and also when agreed upon in writing.
In the instant case, writing will be sufficient via e-mail. All Users may delete their Account, Account Content, and all other Account information, at any
time, by sending an email to UBumm to the address below with the following subject line:

To: info@ubumm.com

Subject: Account Termination

User Submitted Content

As part of Company Services, Users are allowed to upload User Submitted Content. Because the concept of User Submitted Content, such content does not
necessarily reflect the opinions or believes of UBumm. Company reserves the right to delete any User Submitted Content that it deems inappropriate, by its
own standards, in its own discretion, with or without notice to User. Any User Submitted Content that Users submit to Company Services, automatically, and
irrevocable becomes the sole property of UBumm. Any User Submitted Content may be used to create study abroad reports regarding general user activity
trends and interest, which may be shared on Company Services or with other Users. Furthermore, any personal identifying information may be used in such
reports.

UBumm reserves the right to partner with other companies and organizations in the future. Should Company choose to do so, any User Submitted Content, may
be shared on such other company's website, mobile application or otherwise.

Communication and Data Retention

Users with User Accounts must submit an email address where they can receive emails from Company and Users, regarding communication in connection with
Services. Users may opt out of communications by following the directions located at the bottom of each communication.

UBumm collects highly sensitive information ("HSI") including but not limited to: email addresses, passwords, and usernames. UBumm will keep HSI for the
shortest possible duration that is reasonably necessary in order to carry out the task for which it was collected. UBumm has taken all reasonable and
appropriate security measures to ensure the security of HSI. Furthermore, any and all data and communications shall be retained to minimally meet any
applicable legal or ethical reporting or document retention requirements.

UBumm Intellectual Property

UBumm owns all intellectual property connected to Services, including but not limited to its website, applications, or otherwise. This shall include visual
interfaces, graphic design, website design, logo, application development, interactive features, compilation, technological code, software, Company
hardware, and any method of compiling or analyzing Users' Content. This shall be considered Company intellectual property, which is protected worldwide by
copyrights, trademarks, trade secrets, and any other applicable intellectual property rights. These rights shall apply to property now existing or that
which is created in the future by UBumm. User may not copy, reproduce, distribute, create derivative works of, publicly display, publicly perform,
republish, download, store or transmit any of Company content on Services. Such unauthorized use may violate copyright, trademark, and communication
regulations.

UBumm shall be able to use any ideas or suggestions made by Users in their Company Services, if Company chooses to do so. User is not entitled to any
remuneration of any kind, under any circumstances, for such information. Any submitted suggestion shall provide UBumm with complete ownership and any
intellectual property rights arising therefrom. UBumm shall be entitled to unrestrictive use of such information. Furthermore, any User Submitted Content
automatically and irrevocably becomes the immediately property of UBumm.

Privacy Policy

By using Company Services, website, or application, Users hereby agree to the UBumm's Privacy Policy which may be found on the Company's website.

Copyright Policy

The following Copyright Policy (the "Policy") explains how UBumm respects the intellectual property rights (the "IP Rights") of others and describes
UBumm's policy concerning rules and regulations of its Company and Services. If anyone believes their IP Rights have been infringed, please contact UBumm
with contact information found in the Contact Information Section located at the end of this Policy.

A. Changes to Policy. UBumm may modify this Policy at any time, under its discretion. Should there be any material changes to the Policy, Users
shall be notified with a one (1) month notice prior to the effective date of the new policy. It shall be posted on Services and on the Company mobile
application. At the beginning of each set of Policies, the effective date shall be posted. Users agree the continued access of Services after the effective
date, warrants their acceptance to the modifications.

B. Prohibitions. UBumm prohibits Users from uploading, posting, transmitting, or otherwise making available, any content that violates any IP Rights
of any person, company, or otherwise. This prohibition shall apply to any of Company Services including websites, web pages, applications, widgets, blogs,
social networks, or otherwise. Any violations of US Copyright Law, shall subject offenders to its penalties to the fullest extent allowed under law. UBumm
reserves the right to terminate any User who is in violation of IP Rights of other users, persons, company, or otherwise. UBumm requests Users adhere to
these same policies. Pursuant to the Digital Millennium Copyright Act of 1998 (17 U.S.C. 512) (the "DMCA") and US Copyright Law. UBumm may terminate
Users' access to Services, and use thereof, if Company deems User is repeatedly infringing the IP Rights of another User, person, company, or otherwise.
UBumm is not responsible for any errors in web based material and shall not be liable for any damages arising from the use of such material found on
UBumm's website.

C. DMCA. The DMCA and US Copyright Law provides the framework for owners of IP Rights who believe their material that is appearing in public
infringes their IP Rights under US Copyright Law. It is UBumm's policy to respond to all notices and counter-notices that are in conformity with the
requirements under 17 U.S.C. 512(c)(3)). Notices and counter-notices must meet the then-current statutory requirements imposed under the DMCA. Please
visit www.copyright.gov for up to date details of current DMCA legislation.

a. Take-Down Notices. If one believes their IP Rights have been infringed upon by any materials in UBumm's Services, such person may submit a
notification pursuant to the DMCA (17 U.S.C. 512(c)(3)) by sending a properly formatted take-down notice to Company at the address in Contact Information
Section. Please include all required information, including:

i. The electronic or physical signature of the owner of the copyright or a person authorized to act on the owner's behalf;

ii. In sufficient detail, provide the copyrighted work that you claim has been infringed. If multiple copyrighted works on the websites are covered by a
single notification, you may provide a representative list of such works on the websites; however, the representative list must still contain sufficient
detail of the copyrighted works so that we can identify them;

iii. The URL or other specific location on the websites that contain the material that you claim to be infringing your copyright. You must provide us with
reasonably sufficient information to enable us to locate the alleged infringing material, so that we can comply with your request to remove or deny access;

iv. Your name, address, telephone number, and email address;

v. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent,
or the law; and

vi. A statement that you swear under penalty of perjury that the information contained in your notification is accurate and that you are the copyright
owner or that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

b. Response to Take-Down Notices. UBumm shall take response to such DMCA notice, and will make a good faith attempt to contact any party believed to
have infringed the IP Rights of another. DMCA infringement notices may be forwarded to the party who originally made the alleged infringed content
available on Services.

c. Counter-Notices. If you believe in good faith that your own copyrighted material has been removed from Services as a result of a mistake or
misidentification, you may submit a written counter notification letter to Company pursuant to the DMCA (17 U.S.C. 512(g)(2-3)). If a counter-notice is
received by UBumm, Company may send a copy of such counter-notice to the original complaining party that Company may reinstate the removed content. Unless
the alleged IP Rights holder files a court action against the party that provided the counter-notice, the removed content may be reinstated on Company's
Services. Counter-Notices require the following information:

i. Your physical or electronic signature;

ii. Identification of the material that has been removed or disabled, and the location at which the material appeared before it was removed or disabled;

iii. A statement under penalty of perjury that the subscriber has a good faith belief that the material was removed or disabled as a result of mistake or
misidentification of the material to be removed or disabled;

iv. Your name, address and telephone number; and

v. A statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if your address is outside the
United States, that you consent to the jurisdiction of the United States District Court for the Middle District of Florida and a statement that you will
accept service of process from the party, or party's agent, that filed the notification of alleged copyright infringement.

D. Contact Information. Should you require any further information regarding these policies, please contact:

This contact information is for DMCA purposes only. Any other inquiries to the DMCA Agent will not be answered. Any material misrepresentations regarding
copyright violations may subject complainant to court costs and attorney fees.

Prohibited Conduct

Users hereby agrees not to post or upload any of the following prohibited Content:

A. Content known by User to be false, misleading, or Content that encourages or promotes illegal activity;

B. Content that is abusive, threatening, obscene, defamatory, or libelous;

C. Content that harasses any other User, person, business, or person, in any way;

L. Use the Services or content to transmit any computer viruses, Trojan horses, worms, or otherwise, that could potentially cause any damage to software or
hardware of Users or Company.

Fees

Currently, UBumm's Services have pricing formats for its website and mobile application as described below:

A. University User Pricing Plan. Currently, UBumm has three (3) pricing options for University Users dependent on the size of the University.
Company currently offers the Basic University plan for Universities with under 500 students; the Medium University plan for Universities with 500-1000
students; and the Big University plan for Universities with over 1000 students. For current pricing options and benefits, please visit:
http://www.ubumm.com/pricingplan; and

B. Free to all other Users. There will be no charge for all non-University Users of Company Services.

User's shall be aware that access to fees through any Internet provider, mobile telephone company, or otherwise, may be incurred. Any such fees, text
messaging, or data charges, still apply. UBumm reserves the right to charge fees in the future, at Company's sole discretion. Should such action occur,
Company will provide adequate notice to its Users.

Limited Liability and Disclaimers

The following information applies to the maximum extent permitted under law. User rights are not limited beyond those they are rightfully entitled to. By
using Company Services, Users hereby agree to the following Terms, and Users forfeiting certain legal rights they may otherwise be entitled to you. If a
User is uncertain of any of the following, it is suggested they consult a legal professional.

A. Availability and Foreign Access. UBumm provides Services on an "as is" and "as available" basis for Users' use. UBumm does not guarantee Services
will be available in any location for any User, or that Services will always be available at any given time. UBumm does not warrant Services will be
uninterrupted, timely, error-free, or secure. Furthermore, it does not warrant any defects will be corrected. UBumm does not guarantee its website or
applications will be free from viruses or other harmful components. All Users are express required to determine the relevant laws of the jurisdiction in
which they reside, and from which they access Company Services. If law disallows such User, it is their responsibility to determine that information. UBumm
shall not be held liable in any way, for a Users' unauthorized access.

B. Security. UBumm makes every effort to keep its Services, Content, website, and application secure. UBumm accepts no liability for any loss,
disruption, or damage incurred by Users to its data, computer, or software, that is a result of unauthorized access by any person who has caused a loss due
to any data breach or hacking, even if such breach or hack was the mistake of Company. Users are responsible for taking their own precautions to ensure the
electronic process employed for accessing Services, website, or application, does not expose them to the risk of viruses, malicious computer code, Trojan
horses, worms, or otherwise, that may interfere, infect, or damage their computers, software, or data. Furthermore, UBumm limited liability shall extend
should any Company computer, server, or software malfunction, and cause any Users any of the aforementioned losses. UBumm has taken precautions to prevent
any malfunction, however User hereby agrees to accept full liability for any loss, of any kind, should they occur.

C. Software Updates. UBumm may make software updates to it mobile application at any given time. In order to use Services, Users may be obligated to
download the updated version of the applications. UBumm may choose to make downloading the updated version of the application a required precedent to
continued use of Services. However, UBumm makes no guarantees any subsequent version of an application will work on Users mobile phone or devices. UBumm is
expressly not liable for any loss incurred due to Users inability to use Services due to the inability to use an updated version of the mobile application
on their specific mobile device.

D. Third Party Transactions. UBumm does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered
by a third party through the Company Service, hyperlink, website, or any of its applications. Users hereby agree to hold third parties solely liable for
any and all claims regarding such transactions with third parties. Any products or services purchased or otherwise acquired by a third party, are separate
legal transactions solely between Users and the relevant third party, and in no way involve Company. Should any third party site have its own Terms of
Service policy, UBumm is not responsible for any such Terms of Service of another company, even if such site was accessed through UBumm.

E. Third Party Sites and Embedded Content. Services may contain links, and embedded content from, third party websites, as well as services not
operated by Company. UBumm does not control these services. Linked sites may be provided as a service to Users, and does not imply any endorsement of the
activities or content of these sites, nor any association with its operators. Users assume any and all risks, known or unknown, now existing or existing in
the future, by following a link to a linked site.

F. User Submitted Content. As part of Company Services, Users are allowed to upload User Submitted Content. Because the concept of User Submitted
Content, such content does not necessarily reflect the opinions or believes of UBumm. Any User Submitted Content that Users submit to Company Services,
automatically, and irrevocable becomes the sole property of UBumm.

G. Limited Liability. Users assume any and all risk associated with using Company's website, application, or Services. UBumm, universities, study
abroad program providers, any parents, subsidiaries, affiliates, owners, directors, officers, employees, licensors, distributors, subcontractors,
sub-licensees, independent contractors, and agents (collectively known as the "Company Parties") shall not be liable for any direct, indirect, incidental,
consequential, special, punitive, or exemplary damages, or losses of any kind. These include without limitation, loss of profits, business, goodwill, use,
data, or other intangible losses, whether based in contract, tort, negligence, strict liability, or otherwise, which may be incurred in connection with the
use, or inability to use, Services, including interruption, inaccuracy, error, or omission. This limited liability shall expressly extend to any and all
events published or promoted on UBumm's Company Services.

H. Disclaimer. UBumm expressly disclaims all warranties, express or implied, including but not limited to: implied warranties of merchantability;
fitness for a particular purpose; non-infringement; warranties of title and accuracy; warranties regarding products and services offered by all businesses
listed on Company's website; and warranties in the course of dealing, performance or usage of trade.

I. Maximum Liability. UBumm's maximum aggregate amount of liability for any loss or damage a User experiences in Company's content, Services,
website, application, or otherwise, shall not exceed $100 or the aggregated amount paid by Users for Company Services in the immediate preceding twelve
(12) month period, whichever is lower.

Miscellaneous

A. Class Action Waiver and Other Restrictions. Arbitration shall proceed solely on an individual basis without the right for any claims to be
arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of others. The arbitrator's
authority to resolve and make written awards is limited to claims between Users and Company alone. Claims may not be joined or consolidated unless agreed
to in writing by all parties. No arbitration award or decision will have any preclusive effect as to issues or claims in any dispute with anyone who is not
a named party to the arbitration. Notwithstanding any other provision in these Terms (including the "Continuation" provision below), and without waiving
either party's right of appeal, if any portion of this "Class Action Waiver and Other Restrictions" provision is deemed invalid or unenforceable, then the
entire Arbitration Provision (other than this sentence) shall sever and continue.

B. Indemnification. Users agree to indemnify, defend, and hold harmless, UBumm and Company Parties, from and against all: claims; injuries; damages;
obligations; losses; lawsuits; attorney fees; legal fees or filing fees from any and all claims or demands made by any party related to Users' use of
Service, website, or applications; violations of these Terms, goods and services purchased; or misuse of User accounts. UBumm reserves the right to execute
the exclusive defense of any issues arising out of such indemnification. Users are expressly prohibited from settling such claims without the prior written
Consent of Company.

C. Independent Relationship. Users fully understand and accept in no way do these Terms, Services, or otherwise, create a joint venture, agency,
partnership, or employment relationship with Company. UBumm is not liable for any financial or other loss of Users in any way, on any transaction, under
any circumstances. Users accept use of UBumm's Services often involves financial exchange, and the UBumm shall bear no liability or responsibility
therefor.

D. Integration. Both parties agree these Terms are the complete and exclusive statement and the mutual understanding of the parties, and these Terms
supersede and cancel all previous written and oral agreements and communications relating to the subject matter of this Agreement. Any waivers or
amendments shall be effective only if made in writing and signed by an agent of the respective parties authorized to bind the parties.

E. Severability. UBumm's failure to exercise, delay in exercising, any privilege, any power or any rights hereunder will not operate as a waiver
thereof, nor will any single or partial exercise of any right or power hereunder preclude further exercise of any other right hereunder. If any provision
of these Terms shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to
the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

F. Termination and Survival. If a User breaches Terms, or any part of the Terms, in any way, then Company may take action up to, and including,
suspending Users' access to Services or prohibiting them from accessing Company website or application. UBumm may take these actions without liability or
notice to you. If a User's account is terminated due to a breach in the Terms, Users will not be entitled to any refund of any kind. Furthermore, Users can
be barred from any future use of Services.

G. Arbitration Agreement. All claims and disputes arising under or relating to these Terms and Services are to be settled by binding arbitration in
the State of Florida or another location mutually agreeable to the parties. The arbitration shall be conducted on a confidential basis pursuant to the
Commercial Arbitration Rules of the American Arbitration Association. Any decision or award as a result of any such arbitration proceeding shall be in
writing and shall provide an explanation for all conclusions of law and fact and shall include the assessment of costs, expenses, and reasonable attorneys'
fees. Any such arbitration shall be conducted by an arbitrator experienced in commercial arbitration and shall include a written record of the arbitration
hearing. The parties reserve the right to object to any individual who shall be employed by or affiliated with a competing organization or entity. An award
of arbitration may be confirmed in a court of diction.

H. Jurisdiction. These Terms of Use, and any dispute legal or otherwise arising from its implementation, shall be deemed to have been made in, and
shall be construed pursuant to the laws of the State of Florida. If any party brings a claim, parties hereby submit and consent to the personal and
exclusive jurisdiction of the State of Florida.

I. Notice to California Users. Under California Civil Code Section 1789.3, users of Company Services are entitled to the following contact
information: The Complaint Assistance Unit of the Division of Consumer Services at the California Department of Consumer Affairs may be contacted in
writing or by telephone at: